﻿<?xml version="1.0" encoding="utf-8"?>
<xs:schema targetNamespace="http://IcelandicOnlineBanking/2010/06/01/ClaimTypes" xmlns:clt="http://IcelandicOnlineBanking/2010/06/01/ClaimTypes" xmlns:ct="http://IcelandicOnlineBanking/2010/06/01/CommonTypes" xmlns:xs="http://www.w3.org/2001/XMLSchema" elementFormDefault="qualified" attributeFormDefault="unqualified" id="CommonTypes">
  <xs:import namespace="http://IcelandicOnlineBanking/2010/06/01/CommonTypes" schemaLocation="IcelandicOnlineBankingTypes.xsd"/>
  <xs:complexType name="ClaimKey">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">The combination of fields that uniquely identifies a claim.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Samsett svæði fyrir einkvæman lykil innheimtukröfu.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="ClaimantID" type="ct:PersonID">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The person identification number of the claimant and part of the unique key of the claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Kennitala kröfuhafa, þ.e. eiganda kröfunnar, og hluti af lykli innheimtukröfu.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Account" type="ct:AccountID">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The Bank number of the claim, ledger number (66) and number of claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Bankanúmer, höfuðbók (66) og númer innheimtukröfu.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="DueDate" type="xs:date">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Due date of the claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Gjalddagi innheimtukröfu.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:simpleType name="ClaimSubType">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Specifies the sub-type of a claim.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Tilgreinir undirtegund kröfu.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:enumeration value="StandardClaim">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Standard, basic claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Venjuleg krafa.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="LightClaim">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Claim that only specifies basic claim properties but carries no charges or penalty interest. The lifetime must not be longer than 6 months.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Léttkrafa sem aðeins tilgreinir frumeigindi kröfu en ber ekki vexti eða gjöld. Líftími slíkra krafna er bundinn við 6 mánuði.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="OptionalPaymentClaim">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">A claim that the payer has no obligation to pay and should be able to delete in the interface of the appropriate netbank.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Valgreiðslukrafa sem kröfugreiðandi getur valið um hvort hann greiðir og ætti að geta eitt í viðmóti vefbanka.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="LightOptionalClaim">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">A claim that combines the qualities of the light and optional claims.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Léttvalgreiðslukrafa, sem sameinar kosti léttkröfu og valgreiðslukröfu.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="RefundClaim">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">A claim where the claimant is reimbursing the payer of an original claim. Can only be used when there exists a registration for direct payment on behalf of the payer, which is used to find the account where the amount should be deposited.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Endurgreiðslukrafa, þar sem kröfuhafi er að endurgreiða greiðanda upphaflegrar kröfu. Aðeins hægt í þeim tilvikum þar sem beingreiðslubeiðni er skráð, svo finna megi innleggsreikning.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="CommonRevolvingClaim">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">A claim where the payer is only obliged to pay a part of the amount.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Veltukrafa, þar sem kröfugreiðandi getur sloppið við að greiða aðeins vissa upphæð en ekki fulla upphæð kröfunnar.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="CustomRevolvingClaim">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">A special subset of revolving claims that is meant for use by Borgun.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Veltukrafa, sérstaklega útbúin fyrir Borgun.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="RevolvingClaimSettings">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Settings which are used to control the behavior of revolving claims and required for that type.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Stillingar sem ráða hegðun valgreiðslukrafna, verða að vera til staða rá þeirri tegund krafna.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="EffectiveDateAmount" type="ct:Amount" default="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">With revolving claims the payer can choose to pay a sum equal to the effective amount or higher.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Á veltukröfum getur kröfugreiðandi valið að greiða upphæð sem er jöfn eða hærri en valgreiðsluupphæðinni.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="EffectiveDate" type="xs:date">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The payer has until the effective date to pay the effective amount, after that date has passed he has to pay the usual amount.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Gildisdagur valgreiðsluupphæðar, eftir þessa dagsetningu er aðeins hægt að greiða fullnaðargreiðslu.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
    <xs:attribute name="IsCancelledOnPayment" type="xs:boolean" default="false">
      <xs:annotation>
        <xs:documentation xml:lang="en-US">If set to true, the claim will be cancelled on the effective day, on the condition that the payer has already paid a sum equal or higher than the effective amount. If false, the claim remains while full payment has not been made and the cancellation date has not passed.</xs:documentation>
        <xs:documentation xml:lang="is-IS">Sett sem true ef krafan á að falla niður við greiðslu sem er jafngild gildisdagsupphæð eða meiri. Ef false þá lifir krafan þangað til fullnaðargreiðsla hefur verið greidd eða fram að niðurfellingardegi.</xs:documentation>
      </xs:annotation>
    </xs:attribute>
  </xs:complexType>
  <xs:simpleType name="PrintInformation">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Information about whether a claim should be printed and if not, the reason why not.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Upplýsingar um hvort prentun þurfi út innheimtukröfu eða ástæður þess að ekki er krafist útprentunar.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:enumeration value="NoInformation">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">No information about printing is returned, mainly when claims are updated or cancelled. </xs:documentation>
          <xs:documentation xml:lang="is-IS">Engum upplýsingum um prentun er skilað, einkum þegar innheimtukröfum er breytt eða eytt.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="Print">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Claim should be printed, either by the claimant or the bank depending on contractual obligations. </xs:documentation>
          <xs:documentation xml:lang="is-IS">Prenta á innheimtukröfuna, hjá kröfuhafa eða banka eftir því sem um hefur samist milli þeirra.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="DirectPaymentClaim">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">A claim whose payor has instructed his bank to pay it on the due date out of a specified debit account.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Beingreiðslukrafa, sem kröfugreiðandi hefur samið um við bankastofnun að greiðist á gjalddaga út af tilgreindum reikningi.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="InternetBankingClaim">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">A claim whose payor has marked so that no copy is printed but it appears in his Internet Bank.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Netkrafa, sem kröfugreiðanda vill að birtist í netbanka en er ekki prentuð út.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="ClaimStatus">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Indicates the status of the claim. </xs:documentation>
      <xs:documentation xml:lang="is-IS">Segir til um ástand innheimtukröfu.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:enumeration value="Unpaid">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Claim has not yet been settled.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Innheimtukrafa er ógreidd.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="Paid">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Claim has been settled.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Innheimtukrafa hefur greidd að fullu.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="Cancelled">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Claim has been cancelled.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Innheimtukrafa hefur verið felld niður.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="SecondaryCollection">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The claim has been sent to secondary collection.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Innheimtukrafan hefur verið sett í milliinnheimtu.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="LegalCollection">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Legal action will be taken for dept recovery.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Innheimtukrafa hefur verið sett í lögfræðiinnheimtu</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="Invalid">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Claim was invalid when created.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Innheimtukrafa hefur lent á villu við stofnun.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="BatchStatus">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Status of the batch, i.e. where in the process it is situated.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Staða bunka, þ.e. hvar hann er staddur í ferlinu.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:enumeration value="InProgress">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The batch is being processed.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Bunkinn er í vinnslu.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="Completed">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The batch has been processed an no errors found.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Vinnslu á bunka er lokið án villu.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="CompletedWithErrors">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The batch has been processed with errors.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Vinnslu á bunka er lokið. Villa hefur komið upp.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="NotConfirmed">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The batch was not securely submitted and is waiting for manual confirmation.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Óstaðfestur bunki, bíður eftir að verða staðfestur handvirkt.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Identifier">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">An identifier that indicates the account into which payments will be made and the associated text key. Can consist of alphanumeric characters, maximum three letters. The Identifier is also associated with a particular bank branch, the branch code used in the claim key much always match that branch.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Auðkenni kröfuhafa sem segir til ráðstöfun greiðslu og textalykil kröfu sem tengd er honum. Má vera tölu- og bókstafir alls 3 stafa langt. Auðkennið er tengt bankaútibúi, gæta verður þess að númer þess útibús sé notað sem bankanúmer í lykli kröfu.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:pattern value="[0-9A-Za-z]{3}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Reference">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Refence determined by claimant. Alphanumeric, maximum 16 letters.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Tilvísunarnúmer kröfuhafa má vera tölu- og bókstafir, alls 16 stafa langt.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:pattern value=".{1,16}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="CustomerNumber">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Customer number of payor, claimant's unique code for the customer.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Einkvæmt viðskiptanúmer greiðanda í kerfi kröfuhafa.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:maxLength value="16"/>
      <xs:pattern value=".{0,16}"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="NoticeAndPaymentFee">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Charge for calculation and printout of payment slip and sending to payer.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Gjald fyrir útreikning og útskrift greiðsluseðils ásamt sendingu hans til greiðanda.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Printing" type="ct:Amount" default="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Charge used if claim is printed.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Gjald sem er notað ef innheimtukrafa er prentuð út.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Paperless" type="ct:Amount" default="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Charge used if claim is not printed.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Gjald sem er notað ef innheimtukrafa er pappírslaus, þ.e ekki prentuð út.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="DateRestrictedCharge">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Used for defaultcharge and as base for discounts</xs:documentation>
      <xs:documentation xml:lang="is-IS">Notað fyrir vanskilagjald og grunnur að afsláttum.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="First" type="clt:DiscountOrDefaultChargeBase" minOccurs="0"/>
      <xs:element name="Second" type="clt:DiscountOrDefaultChargeBase" minOccurs="0"/>
    </xs:sequence>
    <xs:attribute name="ReferenceDate" type="clt:ReferenceDate" use="required"/>
  </xs:complexType>
  <xs:complexType name="DiscountCharge">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Used for discounts</xs:documentation>
      <xs:documentation xml:lang="is-IS">NotaÃ° fyrir afslÃ¦tti</xs:documentation>
    </xs:annotation>
    <xs:complexContent>
      <xs:extension base="clt:DateRestrictedCharge">
        <xs:attribute name="IsPostRefDate" type="xs:boolean" default="false">
          <xs:annotation>
            <xs:documentation xml:lang="en-US">Indicates wheter number of days is before or after reference date.</xs:documentation>
            <xs:documentation xml:lang="is-IS">Segir til um hvort uppgefinn dagafjöldi er fyrir eða eftir viðmiðunardag.</xs:documentation>
          </xs:annotation>
        </xs:attribute>
      </xs:extension>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="DiscountOrDefaultChargePercentage">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Percentage for default charge or discount</xs:documentation>
      <xs:documentation xml:lang="is-IS">Prósenta fyrir vanskilagjald eða afslátt</xs:documentation>
      <xs:documentation xml:lang="en-US">This content should follow the exact pattern of ct:Percentage2. Due to limitations in certain tools, the restriction is repeated instead of being referenced through a restricion on a simpleContent sub-element.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Innihaldið ætti að fylgja í öllu skilgreiningu á ct:Percentage2. Takmarkanir tiltekinna XML tóla leiða til þess að skilyrðingin er endurtekin, í staðinn fyrir að vísað sé í fyrrgreinda skilgreiningu gegnum simpleContent undirtag.</xs:documentation>
    </xs:annotation>
    <xs:simpleContent>
      <xs:restriction base="clt:DiscountOrDefaultChargeBase">
        <xs:minInclusive value="0"/>
        <xs:maxExclusive value="100.00"/>
        <xs:totalDigits value="4"/>
        <xs:fractionDigits value="2"/>
      </xs:restriction>
    </xs:simpleContent>
  </xs:complexType>
  <xs:complexType name="DiscountOrDefaultChargeAmount">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Amount of discount or default charge.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Upphæð afsláttar eða vanskilagjalda.</xs:documentation>
      <xs:documentation xml:lang="en-US">This content should follow the exact pattern of ct:Amount. Due to limitations in certain tools, the restriction is repeated instead of being referenced through a restricion on a simpleContent sub-element.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Innihaldið ætti að fylgja í öllu skilgreiningu á ct:Amount. Takmarkanir tiltekinna XML tóla leiða til þess að skilyrðingin er endurtekin, í staðinn fyrir að vísað sé í fyrrgreinda skilgreiningu gegnum simpleContent undirtag.</xs:documentation>
    </xs:annotation>
    <xs:simpleContent>
      <xs:restriction base="clt:DiscountOrDefaultChargeBase">
        <xs:fractionDigits value="2"/>
      </xs:restriction>
    </xs:simpleContent>
  </xs:complexType>
  <xs:complexType name="DiscountOrDefaultChargeBase" abstract="true">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Base for discount or default charge.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Grunnur fyrir afslætti eða vanskilagjald.</xs:documentation>
    </xs:annotation>
    <xs:simpleContent>
      <xs:extension base="xs:decimal">
        <xs:attribute name="Days" type="xs:int" use="optional" default="0">
          <xs:annotation>
            <xs:documentation xml:lang="en-US">Indicates the count of days relative to reference date when rule takes effect.</xs:documentation>
            <xs:documentation xml:lang="is-IS">Segir til um dagafjöldi út frá viðmiðunardegi sem gjald á við.</xs:documentation>
          </xs:annotation>
        </xs:attribute>
      </xs:extension>
    </xs:simpleContent>
  </xs:complexType>
  <xs:simpleType name="ReferenceDate">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Indicates which date is used as basis for calculation.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Segir til um hvaða dagsetning er notuð sem grunnur fyrir útreikninga.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:enumeration value="DueDate">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Due date is basis.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Gjalddagi er viðmiðunardagur.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="FinalDueDate">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Final due date is basis.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Eindagi er viðmiðunardagur.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="DefaultInterestRule">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Indicates whether default interest should be imposed and if so, how it should be calculated.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Segir til um hvort leggja eigi dráttarvexti á og ef svo, þá hvernig þeir skuli reiknaðir.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:enumeration value="NoDefaultInterest">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">No default interest should be imposed.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Engir dráttarvextir skulu vera á kröfu.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="DefaultInterestAmount">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Indicates that default interest should be calculated from the amount of the claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Segir til um að dráttarvextir reiknast út frá upphæð kröfu.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="DefaultInterestAmountAndDefaultCharge">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Indicates if default interest should be calculated from the amount and default charge of the claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Segir til um hvort dráttarvextir reiknast út frá upphæð og vanskilagjaldi kröfu.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="DefaultInterest">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Default interest</xs:documentation>
      <xs:documentation xml:lang="is-IS">Dráttarvextir</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Rule" type="clt:DefaultInterestRule" default="NoDefaultInterest">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Determines if the claim should incur default interests after the reference date and if so, how it should be calculated.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Segir til um hvort dráttarvextir skuli reiknast eftir viðmiðunardag og ef svo, þá þá hvernig.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Percentage4" type="ct:Percentage4" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">If used, default interest on a claim is calculated based on this percentage and not on the default interest period, as in the case of Central Bank default interest. Not specifying the percentage ensures that the Central Bank default interest is used, and interest is compounded every twelve months, i.e. the default interest is added to the principal.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Segir til um prósentu dráttarvaxta, má ekki vera hærra en hæsta leyfilega dráttarvaxtaprósenta Seðlabankans. Ef dráttarvaxtarregla tilgreinir að dráttarvextir eigi að reiknast og þetta gildi er ekki tilgreint, eru hæstu leyfilegu dráttarvextir Seðlabankans notaðir sjálfkrafa.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="SpecialCode" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Sending in a special code is the only way to set certain interest rules that map to RB Penalty interest rules. Further documentation can be found in RB documentation.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Til að setja tiltekin gildi á kröfu þarf að senda inn gildi sem eru í samræmi við dráttavaxtareglur RB. Frekari upplýsingar er að finna í skjölun RB.</xs:documentation>
        </xs:annotation>
        <xs:simpleType>
          <xs:restriction base="xs:string">
            <xs:pattern value="[2-9A-Z]{1}"/>
          </xs:restriction>
        </xs:simpleType>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="CurrencyInformation">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Combines fields that define currency information for claim.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Samsett svæði fyrir gengiskröfu.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="ReferenceRate">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The reference used to determine which currency type to use.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Tegund gengis sem miðað er við.</xs:documentation>
        </xs:annotation>
        <xs:simpleType>
          <xs:restriction base="xs:string">
            <xs:enumeration value="ExchangeRate">
              <xs:annotation>
                <xs:documentation xml:lang="en-US">Regular exchange rate of the institution. Same as code A.</xs:documentation>
                <xs:documentation xml:lang="is-IS">Seðlagengi stofnunar. Sama og val A.</xs:documentation>
              </xs:annotation>
            </xs:enumeration>
            <xs:enumeration value="NoteRate">
              <xs:annotation>
                <xs:documentation xml:lang="en-US">Note rate of the institution. Same as code S.</xs:documentation>
                <xs:documentation xml:lang="is-IS">Seðlagengi stofnunar. Sama og val S.</xs:documentation>
              </xs:annotation>
            </xs:enumeration>
            <xs:enumeration value="CentralBankMidRate">
              <xs:annotation>
                <xs:documentation xml:lang="en-US">Mid rate of the Central Bank of Iceland. Same as code F.</xs:documentation>
                <xs:documentation xml:lang="is-IS">Miðgengi Seðlabanka Íslands. Sama og val F.</xs:documentation>
              </xs:annotation>
            </xs:enumeration>
            <xs:enumeration value="CentralBankStatutoryRate">
              <xs:annotation>
                <xs:documentation xml:lang="en-US">The statutory rate and posted rate of the Central Bank of Iceland. Same as code L.</xs:documentation>
                <xs:documentation xml:lang="is-IS">Lögboðið gengi, fundargengi Seðlabankans. Sama og val L.</xs:documentation>
              </xs:annotation>
            </xs:enumeration>
          </xs:restriction>
        </xs:simpleType>
      </xs:element>
      <xs:element name="Currency" type="ct:CurrencyCode">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">3 letter currency code.</xs:documentation>
          <xs:documentation xml:lang="is-IS">3 stafa tákn myntar. Myntkóði kröfu (í hvaða mynt krafa er).</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="PaymentRate">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Currency code, Indicates the spot rate to be used in the calculation of an IK forex claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Gengiskóði, segir til um hvaða dagsgengi á að miða við þegar greiðsla á IK gengiskröfu er reiknuð út.</xs:documentation>
        </xs:annotation>
        <xs:simpleType>
          <xs:restriction base="xs:string">
            <xs:enumeration value="DueDateRate">
              <xs:annotation>
                <xs:documentation xml:lang="en-US">The due date exchange rate should be used. Same as code J.</xs:documentation>
                <xs:documentation xml:lang="is-IS">Gjalddagagengi skal notað. Sama og val J.</xs:documentation>
              </xs:annotation>
            </xs:enumeration>
            <xs:enumeration value="PaymentDateRate">
              <xs:annotation>
                <xs:documentation xml:lang="en-US">Payment date exchange rate should be used. Same as code L.</xs:documentation>
                <xs:documentation xml:lang="is-IS">Greiðsludagsgengi skal notað. Sama og val L.</xs:documentation>
              </xs:annotation>
            </xs:enumeration>
          </xs:restriction>
        </xs:simpleType>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="BillPresentmentSystem">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Indicates the bill presentment system to which the claim pertains.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Samsett svæði er geymir upplýsingar um birtingarkerfi.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Type">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Which bill presentment system</xs:documentation>
          <xs:documentation xml:lang="is-IS">Hvaða birtingarkerfi</xs:documentation>
        </xs:annotation>
        <xs:simpleType>
          <xs:restriction base="xs:string">
            <xs:pattern value="[0-9A-Z]{1}"/>
          </xs:restriction>
        </xs:simpleType>
      </xs:element>
      <xs:element name="Parameters" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Parameters and values needed to display a unique document from a bill presentment system. (URL style)</xs:documentation>
          <xs:documentation xml:lang="is-IS">Færibreytur og gildi sem þarf til að kalla fram ákveðið skjal í birtingarkerfi. (URL form)</xs:documentation>
        </xs:annotation>
        <xs:simpleType>
          <xs:restriction base="xs:string">
            <xs:maxLength value="200"/>
          </xs:restriction>
        </xs:simpleType>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:simpleType name="Comment">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Comments that are displayed on the lower half of the payment slip.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Athugasemdir sem prentaðar eru neðanmáls á seðilinn.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:maxLength value="80"/>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="ItemRow">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">A subitem of a claim, used for printing.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Undirlína innheimtukröfu, notuð við prentun.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Text">
        <xs:simpleType>
          <xs:annotation>
            <xs:documentation xml:lang="en-US">The desciption of the item.</xs:documentation>
            <xs:documentation xml:lang="is-IS">Texti undirlínunnar.</xs:documentation>
          </xs:annotation>
          <xs:restriction base="xs:string">
            <xs:maxLength value="57"/>
          </xs:restriction>
        </xs:simpleType>
      </xs:element>
      <xs:element name="Amount" type="ct:Amount">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The amount of the item.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Upphæð undirlínunnar.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="Printing">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Contains information used for displaying and printing the claim. Changing this info on a claim that has already been created will not result in it being printed again. </xs:documentation>
      <xs:documentation xml:lang="is-IS">Samsett svæði sem notað er til að stjórna útprentun innheimtukröfu (ef banki prentar). Printing svæðið er notað ef innheimtukrafa er prentuð hjá banka / sparisjóð til þess að stýra útprentun innheimtukröfunnar. Ef prentun er breytt í breytingarfærslu eftir að búið er að prenta út seðil, hefur það ekki í för með sér að hann sé prentaður út aftur.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="ClaimantAddress" type="ct:Address" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Alternate address for claimant if address from the National Register should not be used.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Breytt heimilisfang kröfuhafa. Ef sleppt, þá er notað skráð lögheimili greiðanda.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="PayorAddress" type="ct:Address" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Alternate address for payor if address from the National Register should not be used.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Breytt póstfang kröfugreiðanda. Ef sleppt, þá er notað skráð lögheimili greiðanda.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="ClaimantTelephone" type="ct:PhoneNumber" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Telephone where claimant can be contacted.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Símanúmer kröfuhafa.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="ItemRows" type="clt:ItemRow" minOccurs="0" maxOccurs="20">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Details of claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Sundurliðun á innheimtukröfu.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Comments" type="clt:Comment" minOccurs="0" maxOccurs="5">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Comments that are displayed on the lower half of the payment slip.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Athugasemdir sem prentaðar eru neðanmáls á seðilinn.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="ClaimBase">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">The base claim is used in historical data, with the derived Claim type containing further information used for creating and manipulating claims.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Inniheldur grunngögn notuð við að birta sögulegar upplýsingar um kröfu en Claim tagið erfir þennan grunn og bætir við upplýsingum fyrir stofnun og breytingu.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Key" type="clt:ClaimKey">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The combination of fields that uniquely identifies a claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Samsett svæði fyrir einkvæman lykil innheimtukröfu.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="PayorID" type="ct:PersonID">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Payor person id.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Kennitala kröfugreiðanda.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="CancellationDate" type="xs:date">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Date of cancellation, when the claim is no longer valid in the system.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Niðurfellingardagur innheimtukröfu, hve lengi á krafan að lifa í innheimtukerfi.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Identifier" type="clt:Identifier">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">An identifier that indicates the account into which payments will be made and the associated text key. Can consist of alphanumeric characters, maximum three letters. The Identifier is also associated with a particular bank branch, the branch code used in the claim key much always match that branch.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Auðkenni kröfuhafa sem segir til ráðstöfun greiðslu og textalykil kröfu sem tengd er honum. Má vera tölu- og bókstafir alls 3 stafa langt. Auðkennið er tengt bankaútibúi, gæta verður þess að númer þess útibús sé notað sem bankanúmer í lykli kröfu.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Principal" type="ct:Amount">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Principal of claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Höfuðstóll innheimtukröfu.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Reference" type="clt:Reference">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Refence determined by claimant. Alphanumeric, maximum 16 letters.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Tilvísunarnúmer ákveðið af kröfuhafa. Má vera tölu- og bókstafir, 16 stafa langt að hámarki.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="FinalDueDate" type="xs:date">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Final due date of claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Eindagi innheimtukröfu</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="BillNumber" type="ct:BillNumber" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Billnumber, optional. Information provided by claimant.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Seðilnúmer, valkvætt. Upplýsingar settar af kröfuhafa.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="CustomerNumber" type="clt:CustomerNumber" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Customer number, optional key used by claimant to identify payor. Necessary if payor is to be able to enable automotic debiting of claims.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Viðskiptanúmer greiðanda. Valkvæður lykill greiðanda kröfunar hjá kröfuhafa. Nauðsynlegur ef hægt á að vera að stofna beingreiðslusamning tengdan innheimtukröfu.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="NoticeAndPaymentFee" type="clt:NoticeAndPaymentFee">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Charge for calculation and printout of payment slip and sending to payer.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Gjald fyrir útreikning og útskrift greiðsluseðils ásamt sendingu hans til greiðanda.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="DefaultCharge" type="clt:DateRestrictedCharge">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Default charge that claims incur when they default, either a percentage or fixed amount.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Vanskilagjald má vera gefið upp annaðhvort í prósentum eða fastri upphæð.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="OtherCosts" type="ct:Amount" default="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">For special charges to be paid by the payer of the claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Fyrir sérákvörðuð gjöld sem greidd eru af greiðanda innheimtukröfu.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="OtherDefaultCosts" type="ct:Amount" default="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">For special charges, e.g. temporary collection charge, to be paid by the payer of the claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Annar vanskilakostnaður.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="DefaultInterest" type="clt:DefaultInterest">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Rule for calculating default interest.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Segir til um hvernig dráttarvextir eru reiknaðir.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="CurrencyInformation" type="clt:CurrencyInformation" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">For claims which are linked to a foreign currency.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Notist ef innheimtukrafa er í erlendri mynt.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="PermitOutOfSequencePayment" type="xs:boolean" default="false">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Payment of claim allowed if earlier due date is unpaid.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Greiðsluregla, segir til um hvort megi greiða innheimtukröfu sem á ógreidda eldri gjalddaga.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Discount" type="clt:DiscountCharge">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Two amount or percentage fields can be attached to a claim base, the first and second discount, which are used to reduce the payment if made before a fixed date.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Afsláttur er gefin upp annaðhvort í prósentum eða sem föst upphæð.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="IsPartialPaymentAllowed" type="xs:boolean" default="true">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Indicates whether partial payment is permitted.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Segir til um hvort greiða megi inn á innheimtukröfu eða ekki.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="TypeOfClaim" type="clt:ClaimSubType" default="StandardClaim">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The type of the claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Segir til undirtegund innheimtukröfu.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="BillPresentmentSystem" type="clt:BillPresentmentSystem" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Indicates the bill presentment system to which the claim pertains.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Upplýsingar um í hvaða birtingarkerfi innheimtukrafa er birt ef um slíkt er að ræða.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="RevolvingClaimSettings" type="clt:RevolvingClaimSettings" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Settings for revolving claims.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Stillingar valgreiðslukrafna.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="Claim">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">The standard type used for creating and changing claims.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Krafa, notað við stofnun og breytingar á kröfum.</xs:documentation>
    </xs:annotation>
    <xs:complexContent>
      <xs:extension base="clt:ClaimBase">
        <xs:sequence>
          <xs:element name="Status" type="clt:ClaimStatus">
            <xs:annotation>
              <xs:documentation xml:lang="en-US">The status of the claim.</xs:documentation>
              <xs:documentation xml:lang="is-IS">Staða innheimtukröfu.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="Printing" type="clt:Printing" minOccurs="0">
            <xs:annotation>
              <xs:documentation xml:lang="en-US">Information that is used when printing a claim, if it is to be printed by the bank. </xs:documentation>
              <xs:documentation xml:lang="is-IS">Prentun svæðið er notað ef innheimtukrafa er prentuð hjá banka / sparisjóð til þess að stýra útprentun innheimtukröfunnar. Ef prentun er breytt í breytingarfærslu eftir að búið er að prenta út seðil, hefur það ekki í för með sér að hann sé prentaður út aftur.</xs:documentation>
            </xs:annotation>
          </xs:element>
        </xs:sequence>
      </xs:extension>
    </xs:complexContent>
  </xs:complexType>
  <xs:simpleType name="ClaimTransactionType">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">The types of transaction associated with a claim.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Færslugerð kröfu.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:enumeration value="Creation">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Claim created.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Stofnun kröfu.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="Cancellation">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Cancellation of claim, either by the claimant or according to rules.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Niðurfelling kröfu af kröfuhafa eða eftir gildandi reglu.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="Update">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Claim updated.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Breyting á kröfu.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="Payment">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Payment, either full payment or partial payment.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Greiðsla á kröfu. Innborgun eða fullnaðargreiðsla.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="RefundClaimCreation">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Claim created.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Stofnun á endurgreiðslukröfu.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="ReAdjustment">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Re-adjustment of claim transaction.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Bakfærsla á kröfufærslu.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="PaymentReAdjustment">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Re-adjustment of payment. When a final payment is re-adjusted, the payment is marked as ReAdjustment with a matching record for the re-adjustment using this code.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Bakfærð greiðsla. Við bakfærslu á fullnaðargreiðslu er greiðslufærslan merkt með sem ReAdjustment í færslugerð, en sjálf bakfærslan fær þessa merkingu.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="PartialPaymentReAdjustment">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Re-adjustment of partial payment. When a final payment is re-adjusted, the payment is marked as ReAdjustment with a matching record for the re-adjustment using this code.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Bakfærð innborgun. Við bakfærslu á innborgun er greiðslufærslan merkt með sem ReAdjustment í færslugerð, en sjálf bakfærslan fær þessa merkingu.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="TransferFromOldBank">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Claim was transferred from a bank branch. Mainly when branches are merged.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Sameining banka. Krafa hefur verið flutt úr einum banka í annan.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="TransferToNewBank">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Claim was transferred to a bank branch. Mainly when branches are merged.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Sameining banka. Krafa hefur verið flutt úr einum banka í annan.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="OptionalClaimCancellationByPayor">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Cancellation of optional claim by the payer.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Niðurfelling kröfugreiðanda á valgreiðslu kröfu.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="RefundPayment">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The payment of a refund claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Greiðsla endurgreiðslukrafa.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="CollectionCautionSentByBank">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The bank issued a cautionary statemtent. This transaction type will only appear when the banking institution is ready to able to give this information and will never reflect </xs:documentation>
          <xs:documentation xml:lang="is-IS">Innheimtuviðvörun var send út frá banka. Er eingöngu til upplýsinga í þeim tilvikum þar sem bankastofnun er tilbúin að láta þessar upplýsingar í té og endurspeglar ekki neinar útsendingar sem kunna að hafa gerst í kerfum viðskiptamanna né innheimtufyrirtækja.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="ClaimTransaction">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Encapsulates information about the status of a claim associated with a particular event in its lifetime.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Upplýsingar um stöðu á innheimtukröfu tengt tiltekinni aðgerð eða hreyfingu.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Claim" type="clt:ClaimBase"/>
      <xs:element name="Payment" type="clt:Payment" minOccurs="0"/>
    </xs:sequence>
    <xs:attribute name="TransactionType" type="clt:ClaimTransactionType" />
    <xs:attribute name="TransactionDate" type="xs:dateTime"/>
  </xs:complexType>
  <xs:complexType name="ClaimInfo">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Information about the current status of a claim.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Upplýsingar um stöðu innheimtukröfu.</xs:documentation>
    </xs:annotation>
    <xs:complexContent>
      <xs:extension base="clt:Claim">
        <xs:sequence>
          <xs:element name="Status" type="clt:ClaimStatus">
            <xs:annotation>
              <xs:documentation xml:lang="en-US">The status of the claim.</xs:documentation>
              <xs:documentation xml:lang="is-IS">Staða innheimtukröfu.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="CategoryCode" type="ct:CategoryCode" minOccurs="0">
            <xs:annotation>
              <xs:documentation xml:lang="en-US">Claimant's text key, explanation of payment. Optional property of claim.</xs:documentation>
              <xs:documentation xml:lang="is-IS">Textalykill kröfuhafa, skýring á greiðslu. Valkvætt eigindi á innheimtukröfu.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="TotalAmountDue" type="ct:Amount">
            <xs:annotation>
              <xs:documentation xml:lang="en-US">The total amount due for payment.</xs:documentation>
              <xs:documentation xml:lang="is-IS">Heildarupphæð greiðslu.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="NoticeChargeAmount" type="ct:Amount" minOccurs="0">
            <xs:annotation>
              <xs:documentation xml:lang="en-US">Notice charge due for payment</xs:documentation>
              <xs:documentation xml:lang="is-IS">Upphæð tilkynningargjalds til greiðslu.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="DefaultChargeAmount" type="ct:Amount" minOccurs="0">
            <xs:annotation>
              <xs:documentation xml:lang="en-US">Default charge due for payment</xs:documentation>
              <xs:documentation xml:lang="is-IS">Upphæð vanskilagjalda til greiðslu.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="OtherCostsAmount" type="ct:Amount" minOccurs="0">
            <xs:annotation>
              <xs:documentation xml:lang="en-US">Other costs due to be paid.</xs:documentation>
              <xs:documentation xml:lang="is-IS">Annars kostnaður til greiðslu.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="OtherDefaultCostsAmount" type="ct:Amount" minOccurs="0">
            <xs:annotation>
              <xs:documentation xml:lang="en-US">Other default costs due for payment.</xs:documentation>
              <xs:documentation xml:lang="is-IS">Annar vanskilakostnaður til greiðslu.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="DefaultInterestAmount" type="ct:Amount" minOccurs="0">
            <xs:annotation>
              <xs:documentation xml:lang="en-US">Default interest amount due for payment.</xs:documentation>
              <xs:documentation xml:lang="is-IS">Upphæð áfallinna dráttarvaxta.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="DiscountAmount" type="ct:Amount" minOccurs="0">
            <xs:annotation>
              <xs:documentation xml:lang="en-US">The discount amount that is due to be granted.</xs:documentation>
              <xs:documentation xml:lang="is-IS">Afsláttur sem verður veittur þegar innheimtukrafa er greidd miðað við stöðu.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="PrincipalRemaining" type="ct:Amount" minOccurs="0">
            <xs:annotation>
              <xs:documentation xml:lang="en-US">The remaing principal of the claim.</xs:documentation>
              <xs:documentation xml:lang="is-IS">Heildar upphæð sem stendur eftir af kröfu.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="SecondaryCollectionIdentifier" type="clt:Identifier" minOccurs="0">
            <xs:annotation>
              <xs:documentation xml:lang="en-US">The identifier of the secondary collection party that handles the claim when it has been marked for secondary collection.</xs:documentation>
              <xs:documentation xml:lang="is-IS">Auðkenni milliinnheimtuaðila sem krafan er tengd við milliinnheimtumerkingu.</xs:documentation>
            </xs:annotation>
          </xs:element>
          <xs:element name="LegalCollectionIdentifier" type="clt:Identifier" minOccurs="0">
            <xs:annotation>
              <xs:documentation xml:lang="en-US">The identifier of the legal collection party that handles the claim when it has been marked for legal collection.</xs:documentation>
              <xs:documentation xml:lang="is-IS">Auðkenni löginnheimtuaðila sem krafan er tengd við lögfræðimerkingu.</xs:documentation>
            </xs:annotation>
          </xs:element>
        </xs:sequence>
      </xs:extension>
    </xs:complexContent>
  </xs:complexType>
  <xs:complexType name="CurrencyExchangeRate">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Information about currency.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Samsett svæði fyrir gengisupplýsingar.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Currency" type="ct:CurrencyCode">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The currency of the claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Mynt innheimtukröfunnar.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Rate" type="ct:CurrencyAmount">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The exchange rate used.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Upplýsingar um gengi gjaldmiðils innheimtukröfu.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="Payment">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Describes a discrete payment.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Lýsir stakri greiðslu.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Key" type="clt:ClaimKey">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The combination of fields that uniquely identifies a claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Samsett svæði fyrir einkvæman lykil innheimtukröfu.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="PayorID" type="ct:PersonID">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Payor person id.</xs:documentation>
          <xs:documentation xml:lang="is-IS"> Kennitala kröfugreiðanda.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Principal" type="ct:Amount">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Principal of claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Höfuðstóll innheimtukröfu.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="FinalDueDate" type="xs:date">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Final due date of claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Eindagi innheimtukröfu</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Identifier" type="clt:Identifier">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The unique identifier of the claimant that the claim relates to.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Auðkenni kröfuhafa sem innheimtukrafan tengist.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Reference" type="clt:Reference">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Reference determined by claimant.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Tilvísun ákveðin af kröfuhafa.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="CategoryCode" type="ct:CategoryCode" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Claimant’s text key, explanation of payment. Optional property of claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Textalykill kröfuhafa, skýring á greiðslu. Valkvætt eigindi á innheimtukröfu.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="RedeemingBank" type="ct:Bank">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Where the payment comes from.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Sá banki sem greiðsla kemur frá.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="TransactionDate" type="xs:dateTime">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The date on which a transaction in the Claims File is effected.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Sá dagur sem uppfærsla á kröfuskrá er framkvæmd á.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="BookingDate" type="xs:date">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The date when the transaction is booked.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Dagsetning þegar færsla er bókuð hjá RB.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="ValueDate" type="xs:date">
        <xs:annotation>
          <xs:documentation xml:lang="is-IS">The validation date used to calculate default interests and charges.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Fjárhagsleg viðmiðunardagssetning útreikninga á vöxtum og gjöldum.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="PaymentType">
        <xs:simpleType>
          <xs:annotation>
            <xs:documentation xml:lang="en-US">Types of payment, complete payment, partial payment or refund payment.</xs:documentation>
            <xs:documentation xml:lang="is-IS">Tegund greiðslu, fullnaðargreiðsla, innáborgun, endurgreiðsla.</xs:documentation>
          </xs:annotation>
          <xs:restriction base="xs:string">
            <xs:enumeration value="Complete">
              <xs:annotation>
                <xs:documentation xml:lang="en-US">The claim has been paid fully paid.</xs:documentation>
                <xs:documentation xml:lang="is-IS">Innheimtukrafan hefur verið greidd að fullu.</xs:documentation>
              </xs:annotation>
            </xs:enumeration>
            <xs:enumeration value="Partial">
              <xs:annotation>
                <xs:documentation xml:lang="en-US">The payment was partial.</xs:documentation>
                <xs:documentation xml:lang="is-IS">Greitt var að hluta.</xs:documentation>
              </xs:annotation>
            </xs:enumeration>
            <xs:enumeration value="Refund">
              <xs:annotation>
                <xs:documentation xml:lang="en-US">The payment was a refund.</xs:documentation>
                <xs:documentation xml:lang="is-IS">Greidd endurgreiðslukrafa.</xs:documentation>
              </xs:annotation>
            </xs:enumeration>
          </xs:restriction>
        </xs:simpleType>
      </xs:element>
      <xs:element name="AmountDeposited" type="ct:Amount">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Amount deposited in the account used for the disposal of payments.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Upphæð sem lögð var inn til ráðstöfunar í reikning kröfuhafa.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="TotalAmount" type="ct:Amount">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Total amount paid, with default interest and costs.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Heildarupphæð greidd með áföllnum vöxtum og gjöldum.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="CapitalGainsTax" type="ct:Amount">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Withheld capital gains tax.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Afdreginn fjármagnstekjuskattur.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="BillNumber" type="ct:BillNumber" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Billnumber, optional. Information provided by claimant.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Seðilnúmer, valkvætt. Upplýsingar settar af kröfuhafa.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="CustomerNumber" type="clt:CustomerNumber" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Customer number of payor, claimant's unique code for the customer.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Svæði fyrir einkvæmt viðskiptanúmer greiðanda úr kerfi kröfuhafa.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="NoticeChargeAmount" type="ct:Amount">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Notice charge paid.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Greitt tilkynningargjald.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="DefaultChargeAmount" type="ct:Amount">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Default charge paid.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Greitt vanskilagjald.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="OtherCostsAmount" type="ct:Amount">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Other costs paid.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Greiddur annar kostnaður.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="OtherDefaultCostsAmount" type="ct:Amount">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Other default costs paid.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Greiddur annar vanskilakostnaður.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="DefaultInterestAmount" type="ct:Amount">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Paid default interest.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Greiddir dráttarvextir.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="DiscountAmount" type="ct:Amount">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Discount granted.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Veittur afsláttur.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Currency" type="clt:CurrencyExchangeRate" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Currency information, only available for forex claims.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Gengisupplýsingar, aðeins á innheimtukröfum í erlendu gengi.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="BatchNumber" type="ct:BatchNumber" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Batch number of payment.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Bunkanúmer greiðslu.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="ClaimError">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Information about claim that has generated an error.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Upplýsingar um innheimtukröfu sem lenti á villu.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Key" type="clt:ClaimKey"/>
      <xs:element name="Error" type="ct:Error">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Information about an error when processing a claim.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Villa sem kom upp við aðgerð á innheimtukröfu.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="ClaimResult">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">The result of an operation on a claim. If is was created it contains information indicating whether it should be printed and if it is connected to an automatic debit aggreement.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Niðurstaða af aðgerð á innheimtukröfu. Ef hún var stofnuð eru upplýsingar um hvor það eigi að prenta hana og hvort hún tengist beingreiðslusamningi.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Key" type="clt:ClaimKey"/>
      <xs:element name="Print" type="clt:PrintInformation">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Indicates whether the payment slip needs to be printed or not. If the claimant has an agreement with the bank, it will handle the printing.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Segir til um hvort prenta þarf innheimtukröfu. Bankastofnun sér um útprentun ef um það er samkomulag.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="ClaimOperationResult">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">The results returned from operations on claims. A list of claims and/or errors is returned. Information about printing and direct payment is only relevant to creation of claims.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Upplýsingar um niðurstöðu aðgerðar. Skilað er lista af innheimtukröfum og/eða villum. Upplýsingar um prentun og beingreiðslu eiga aðeins við þegar innheimtukrafa er stofnuð.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="ID" type="ct:OperationID">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The unique identifier of the operation. If an error has occured, this can return an empty Id.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Auðkenni aðgerðar á stakri innheimtukröfu. Getur verið tómt ef villa kom upp.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Status" type="clt:BatchStatus">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Status of the batch of claims .</xs:documentation>
          <xs:documentation xml:lang="is-IS">Staða mengis innheimtukrafna sem aðgerð var framkvæmd á.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Success" type="clt:ClaimResult" minOccurs="0" maxOccurs="unbounded">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">List of claims whose operation was a success.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Listi yfir innheimtukröfur sem aðgerð tókst á.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Errors" type="clt:ClaimError" minOccurs="0" maxOccurs="unbounded">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">List of claims with errors.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Listi yfir innheimtukröfur sem lentu á villu.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="AlterClaims">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Alter claims that have been submitted to the system.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Breyta innheimtukröfum sem búið er að skrá í kerfið.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Claim" type="clt:Claim" maxOccurs="unbounded"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="SecondaryCollectionPaymentsQuery">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Query on a secondary collection payment.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Fyrirspurn um greiðslu á milliinnheimtu</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Claimant" type="ct:PersonID" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The Person ID of the claimant whose data is being queried.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Kennitala þess kröfuhafa sem verið er að fletta gögnum upp fyrir.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="TransactionDateFrom" type="xs:date">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Date from inclusive.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Dags frá og með.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="TransactionDateTo" type="xs:date">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Date to inclusive.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Dags til og með.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="EntryFrom" type="xs:unsignedInt" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Entry from inclusive will be returned, starting from 1.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Skilar færslum frá og með. Fyrsta færsla hefur númer 1</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="EntryTo" type="xs:unsignedInt" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Entry to inclusive.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Færsla til og með.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="SecondaryCollectionClaimsQuery">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Query on claims in secondary collection.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Fyrirspurn um innheimtukröfur í milliinnheimtu.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Claimant" type="ct:PersonID" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The persion Id of the claimant.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Kennitala kröfuhafa.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="CollectionDateFrom" type="xs:date" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Date from inclusive.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Dags frá og með.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="CollectionDateTo" type="xs:date" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Date to inclusive.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Dags til og með.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Status" type="clt:ClaimStatus" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Status of the claims.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Staða innheimtukrafna.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="EntryFrom" type="xs:unsignedInt" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Entry from inclusive will be returned, starting from 1.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Skilar færslum frá og með. Fyrsta færsla hefur númer 1</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="EntryTo" type="xs:unsignedInt" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Entry to inclusive.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Færsla til og með.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="SecondaryCollectionReturnClaim">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Result of query on claims in secondary ceollection.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Niðurstaða fyrirspurnar um innheimtukröfur í milliinnheimtu.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Key" type="clt:ClaimKey" maxOccurs="unbounded"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="PaymentsQuery">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Query on payment.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Fyrirspurn um greiðslu.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Claimant" type="ct:PersonID">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The persion Id of the claimant.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Kennitala kröfuhafa.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Identifier" type="clt:Identifier" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The claim identifier belonging to the claimant used to filter the query.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Auðkenni kröfuhafa sem notað er til síunar.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="DisposalAccount" type="ct:AccountID" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The account to filter by. A convenience when many identifiers are connected to the same disposal account, to query for all payments connected to that account.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Reikningur til að sía eftir. Auðveldar leit að öllum kröfum sem tengjast tilteknum reikningi þegar mörg auðkenni vísa á sama reikning.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="TransactionDateFrom" type="xs:date">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Date from inclusive.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Dags frá og með.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="TransactionDateTo" type="xs:date">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Date to inclusive.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Dags til og með.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="EntryFrom" type="xs:unsignedInt" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Entry from inclusive will be returned, starting from 1.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Skilar færslum frá og með. Fyrsta færsla hefur númer 1</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="EntryTo" type="xs:unsignedInt" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Entry to inclusive.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Færsla til og með.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:simpleType name="DateSpanReferenceDate">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Reference dates, used in queries.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Tilgreinir viðmiðunardagsetningar, notað í leitum.</xs:documentation>
    </xs:annotation>
    <xs:restriction base="xs:string">
      <xs:enumeration value="DueDate">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Reference date is due date.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Gjalddagi er viðmiðunardagsetning.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="FinalDueDate">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Reference date is final due date.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Eindagi er viðmiðunardagsetning.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
      <xs:enumeration value="CancellationDate">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Reference date is cancellation date.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Niðurfellingardagur er viðmiðunardagsetning.</xs:documentation>
        </xs:annotation>
      </xs:enumeration>
    </xs:restriction>
  </xs:simpleType>
  <xs:complexType name="ClaimsQueryDateSpan">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Datespan of claims query.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Tímabil fyrir fyrirspurn um innheimtukröfur.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="DateFrom" type="xs:date" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Date from inclusive.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Dags frá og með.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="DateTo" type="xs:date" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Date to inclusive.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Dags til og með.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
    <xs:attribute name="DateSpanReferenceDate" type="clt:DateSpanReferenceDate"/>
  </xs:complexType>
  <xs:complexType name="ClaimsQuery">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Query on claims.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Fyrirspurn um innheimtukröfur.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="Claimant" type="ct:PersonID">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">The person identifier of the claimant whose data is being queried. If empty, data will be returned for all person ids linked to the authenticated user.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Kennitala þess kröfuhafa sem verið er að fletta gögnum upp fyrir. Gögnum er skilað fyrir alla kröfuhafa tengda innskráðum notanda ef gildið er ekki sent inn.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Identifier" type="clt:Identifier" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">An identifier that indicates the account into which payments will be made and the associated text key. Can consist of alphanumeric characters, maximum three letters. The Identifier is also associated with a particular bank branch, the branch code used in the claim key much always match that branch.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Auðkenni kröfuhafa sem segir til ráðstöfun greiðslu og textalykil kröfu sem tengd er honum. Má vera tölu- og bókstafir alls 3 stafa langt. Auðkennið er tengt bankaútibúi, gæta verður þess að númer þess útibús sé notað sem bankanúmer í lykli kröfu.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Period" type="clt:ClaimsQueryDateSpan">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Time period used to filter result set.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Tímabil sem sía á eftir.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Payor" type="ct:PersonID" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Person Id of the payor.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Kennitala greiðanda.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Status" type="clt:ClaimStatus" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Status of the claims.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Staða innheimtukrafna.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="EntryFrom" type="xs:unsignedInt" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Entry from inclusive will be returned, starting from 1.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Skilar færslum frá og með. Fyrsta færsla hefur númer 1</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="EntryTo" type="xs:unsignedInt" minOccurs="0">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Entry to inclusive.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Færsla til og með.</xs:documentation>
        </xs:annotation>
      </xs:element>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="QueryPaymentsResult">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Result of payment query.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Niðurstaða úr fyrirspurn um greiðslur.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="TotalCount" type="xs:unsignedInt">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Total count of entries defined by the query.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Skilar heildarfjölda færslna sem fyrirspurnin nær til.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Payments" type="clt:Payment" minOccurs="0" maxOccurs="unbounded"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="QueryClaimsResult">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">Result of claims query.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Skil fyrirspurnar um innheimtukröfur.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element name="TotalCount" type="xs:unsignedInt">
        <xs:annotation>
          <xs:documentation xml:lang="en-US">Total count of entries defined by the query.</xs:documentation>
          <xs:documentation xml:lang="is-IS">Skilar heildarfjölda færslna sem fyrirspurnin nær til.</xs:documentation>
        </xs:annotation>
      </xs:element>
      <xs:element name="Claims" type="clt:ClaimInfo" minOccurs="0" maxOccurs="unbounded"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="ClaimCollection">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">List of claims.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Listi af innheimtukröfum.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element ref="clt:Claim" minOccurs="0" maxOccurs="unbounded"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="ClaimKeyCollection">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">List of claim keys.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Listi af lyklum innheimtukrafna.</xs:documentation>
    </xs:annotation>
    <xs:sequence>
      <xs:element ref="clt:ClaimKey" minOccurs="0" maxOccurs="unbounded"/>
    </xs:sequence>
  </xs:complexType>
  <xs:element name="Claim" type="clt:Claim" nillable="true">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">A claim.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Innheimtukrafa.</xs:documentation>
    </xs:annotation>
  </xs:element>
  <xs:element name="ClaimKey" type="clt:ClaimKey" nillable="true">
    <xs:annotation>
      <xs:documentation xml:lang="en-US">A unique key of claim.</xs:documentation>
      <xs:documentation xml:lang="is-IS">Einstakur lykill innheimtukröfu.</xs:documentation>
    </xs:annotation>
  </xs:element>
</xs:schema>
